Osceola County property record for 1221 12th St, Unit 101, Saint Cloud, FL 34769
| Property Type | Multi-Story Office Building |
|---|---|
| Details | 2 ba · 3,184 sqft · built 1920 |
| Lot Size | 0.069 acres (3,049 sqft) |
| Owner | Company Name on File |
| Last Sale | $610,000 (Apr 2024) |
| Tax Bill | $9,402 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Sep 2020 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 78383 |
| Primary APN | 78383 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 4 Plumbing Fixtures |
| Total Rooms | 14 Rooms |
| Stories | 2 Stories |
| Building Area | 3,184 sqft Heated Area |
| 1st Floor Area | 3,184 sqft |
| Upper Floors Area | 1,344 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Fire Resistance | Wood or Wood & Steel Frame |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Flat |
| Roof Material | Composition Shingle |
| Lot Area | 3,049 sqft (0.069 acres) |
| Lot Dimensions | 60 ft deep x 50 ft wide |
| Porch | Porch |
| Porch Area | 147 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 78383 |
|---|---|
| Street Address | 1221 12TH ST UNIT 101, 101 |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3723 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Multi-Story Office Building |
| Local Zoning Code | SCB1 |
| Legal Description | ST CLOUD PB B PG 34 BLK 220 W 60 FT LOTS 23 & 24 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | INSTITUTIONAL/COMMERCIAL |
| Legal Tract | 1 |
| Legal Block | 220 |
| Legal Lot Number | 2,23-24 24 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 43500 |
Source: Osceola County records · APN 78383
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2785 KISSIMMEE PARK RD, SAINT CLOUD, FL 34772-9194 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Apr 15, 2024 | Deed of Trust, Mortgage · Unknown FRED W HAWKINS, SR |
| Sep 15, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Apr 08, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Apr 01, 2018 | Loan Modification, Mortgage FLORIDA CMNTY LN FND |
| Jul 01, 2017 | Loan Modification, Mortgage · Line of Credit FLORIDA CMNTY LN FND |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 15, 2024 · Amount on Record |
| Deed Sale | Apr 15, 2024 · Amount on Record |
| Prior Sale | Jan 30, 2009 · Amount on Record |
| Deed Document Number | 2024048490 |
| Deed Book / Page | 6582 / 2694 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1221 12TH ST # 101, 101, SAINT CLOUD, FL 34769-3713 |
| Transaction Type | Mortgage |
| Record Updated | May 01, 2024 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 1221 12TH ST 101, 101, SAINT CLOUD, FL 34769-3723 |
| Document Number | 0065822696 |
|---|---|
| Date | Apr 15, 2024 |
| Book Page | 6582/2696 |
| Instrument | 2024048491 |
| Name | FRED W HAWKINS, SR |
|---|---|
| Type | Private Party |
| Address | PO BOX 420625, KISSIMMEE, FL 34742 |
| Type | Unknown |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Apr 08, 2027 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 15, 2020 |
| Property Address | 1221 12TH ST # 101, 101, SAINT CLOUD, FL 34769-3713 |
| Document Number | 0057932242 |
| Book / Page | 005793 / 002242 |
| Instrument Date | Sep 11, 2020 |
| Instrument | 123001 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3800 5TH ST ST CLOUD FL 347692024, ST CLOUD, FL 34769-2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 08, 2020 |
| Property Address | 1221 12TH ST # 101, 101, SAINT CLOUD, FL 34769-3713 |
| Document Number | 0057051477 |
| Book / Page | 005705 / 001477 |
| Instrument Date | Apr 08, 2020 |
| Instrument | 48521 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3800 5TH ST ST CLOUD FL 347692024, ST CLOUD, FL 34769-2024 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1221 12TH ST # 101, 101, SAINT CLOUD, FL 34769-3713 |
| Document Number | 0053792670 |
| Instrument Date | Apr 01, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 820 INDIANA AVE ST CLOUD FL 347693391, ST CLOUD, FL 34769-3391 |
| Document Number | 0053792670 |
|---|---|
| Date | Aug 06, 2018 |
| Book Page | 005379/002670 |
| Instrument | 119643 |
| Name | FLORIDA CMNTY LN FND |
|---|---|
| Type | Funding / Finance Company |
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | Aug 05, 2019 |
| Rate | 4.75% |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1221 12TH ST # 101, 101, SAINT CLOUD, FL 34769-3713 |
| Document Number | 0052151326 |
| Book / Page | 005215 / 001326 |
| Instrument Date | Jul 01, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2017 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Investor | Possibly a Property Investor |
| Document Number | 0052151326 |
|---|---|
| Date | Sep 29, 2017 |
| Book Page | 005215/001326 |
| Instrument | 138688 |
| Name | FLORIDA CMNTY LN FND |
|---|---|
| Type | Funding / Finance Company |
| Address | ORLANDO, FL 32801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Sep 28, 2018 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,402.00 (+156.46%) | $525,300 (+93.05%) Land $41,300 Building $484,000 | $525,300 (+93.05%) Land $41,300 Building $484,000 |
| 2023 | $3,666.00 (+11.09%) | $272,100 (+12.9%) Land $31,400 Building $240,700 | $272,100 (+12.9%) Land $31,400 Building $240,700 |
| 2022 | $3,300.00 | $241,000 Land $26,100 Building $214,900 | $241,000 Land $26,100 Building $214,900 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 12 in force |
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026
| Historic District | Within the St. Cloud Downtown Historic District listed 2023 · 177 contributing resources · NRIS 100009031 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 526 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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